1 00:00:05,240 --> 00:00:06,680 Speaker 1: This is what the Flux. 2 00:00:06,720 --> 00:00:09,120 Speaker 2: I'm Brett and I'm Justin and it's Friday there, thirteenth 3 00:00:09,160 --> 00:00:09,559 Speaker 2: of December. 4 00:00:09,680 --> 00:00:12,720 Speaker 1: Jesse boy, there is nothing more stubborn than Australia's unemployment 5 00:00:12,800 --> 00:00:15,920 Speaker 1: rate Right now, new data shows Australia's unemployment rate has 6 00:00:15,960 --> 00:00:18,680 Speaker 1: actually dropped to three point nine percent, where it was 7 00:00:18,720 --> 00:00:22,200 Speaker 1: previously four percent. And now there are more doubts about 8 00:00:22,200 --> 00:00:24,239 Speaker 1: a cash rate cut in February next year. 9 00:00:24,320 --> 00:00:27,040 Speaker 2: It's never gonna happen. Never Bucks. This is our favorite 10 00:00:27,080 --> 00:00:29,160 Speaker 2: day of the week because we give away fifty bucks 11 00:00:29,160 --> 00:00:31,880 Speaker 2: to one Flux user who is super smart and super 12 00:00:31,960 --> 00:00:33,920 Speaker 2: quick in the Flux out That's right, it's our weekly 13 00:00:33,920 --> 00:00:35,839 Speaker 2: game Quick six where we give away fifty bucks for 14 00:00:35,920 --> 00:00:38,400 Speaker 2: the smartest and fastest person. So make sure you download 15 00:00:38,400 --> 00:00:40,599 Speaker 2: the app and turn your notifications on to win at 16 00:00:40,680 --> 00:00:41,280 Speaker 2: money today. 17 00:00:41,440 --> 00:00:44,560 Speaker 1: Three undisputable stories today, Juzzy boy, Let's do it for 18 00:00:44,640 --> 00:00:47,159 Speaker 1: our first Meta and Google will be punished by the 19 00:00:47,159 --> 00:00:50,760 Speaker 1: Australian government if they choose not to agree to new 20 00:00:50,840 --> 00:00:54,440 Speaker 1: content deals with media publishers. How the government really went there? 21 00:00:54,520 --> 00:00:56,720 Speaker 1: So tell me more, well, Juzzy boy, I need not 22 00:00:56,880 --> 00:00:59,440 Speaker 1: remind you what happened in twenty twenty one. 23 00:00:59,480 --> 00:01:01,520 Speaker 2: I do remember, but there was a major dispute between 24 00:01:01,560 --> 00:01:04,760 Speaker 2: big tech companies like Google, Meta and the Australian media outlet. 25 00:01:04,880 --> 00:01:07,600 Speaker 1: That's because Google and Meta was showing news articles from 26 00:01:07,600 --> 00:01:10,560 Speaker 1: Ozzie media outlets on their news tab. 27 00:01:10,440 --> 00:01:12,160 Speaker 2: And they weren't paying for it. But after lots of 28 00:01:12,280 --> 00:01:15,000 Speaker 2: arguments and empty threats and real threats, they both ended 29 00:01:15,080 --> 00:01:18,440 Speaker 2: up signing deals with large media companies in Australia. 30 00:01:17,880 --> 00:01:21,680 Speaker 1: Like Nine Entertainment News Corps, Seven West Media, ABC and 31 00:01:21,720 --> 00:01:22,039 Speaker 1: The Man. 32 00:01:22,160 --> 00:01:23,920 Speaker 2: These deals were believed to be worth up to two 33 00:01:24,000 --> 00:01:26,160 Speaker 2: hundred million dollars per year in total. 34 00:01:26,200 --> 00:01:28,520 Speaker 1: But just way earlier this year, Meta warned that they 35 00:01:28,600 --> 00:01:30,200 Speaker 1: won't be renewing their deal. 36 00:01:30,040 --> 00:01:31,800 Speaker 2: And be Man, I got news for you. The media, 37 00:01:31,840 --> 00:01:34,120 Speaker 2: publishers and the government were not going to give up 38 00:01:34,200 --> 00:01:34,920 Speaker 2: that easy yep. 39 00:01:34,959 --> 00:01:37,639 Speaker 1: Now the Labor Government has warned that Meta and Google 40 00:01:37,680 --> 00:01:40,240 Speaker 1: will be punished if they don't agree to new content 41 00:01:40,280 --> 00:01:41,200 Speaker 1: deals with publishers. 42 00:01:41,280 --> 00:01:43,800 Speaker 2: It sounds like a parent scolding their child. What does 43 00:01:43,840 --> 00:01:46,040 Speaker 2: this punishment look like, Well, good your room. 44 00:01:46,440 --> 00:01:49,880 Speaker 1: They're looking at charging social media companies financial penalty if 45 00:01:49,880 --> 00:01:52,680 Speaker 1: they don't try to negotiate the deals in good faith. 46 00:01:52,760 --> 00:01:55,120 Speaker 2: And here's the thing be man. These financial penalties would 47 00:01:55,200 --> 00:01:58,000 Speaker 2: be greater than the cost of actually forming a commercial 48 00:01:58,000 --> 00:01:59,760 Speaker 2: agreement with the Australian partners. 49 00:01:59,480 --> 00:02:01,840 Speaker 1: So pretty much pay up in good faith. 50 00:02:02,520 --> 00:02:03,840 Speaker 2: So what is the key landing here? 51 00:02:03,960 --> 00:02:06,240 Speaker 1: Sometimes the government feels the need to step in when 52 00:02:06,280 --> 00:02:08,040 Speaker 1: big companies hold too much power. 53 00:02:08,080 --> 00:02:10,560 Speaker 2: At first, the government went with the carrot approach yep. 54 00:02:10,560 --> 00:02:13,680 Speaker 1: They asked platforms to play nice and pay news publishers 55 00:02:13,680 --> 00:02:15,600 Speaker 1: fairly through voluntary deals. 56 00:02:15,400 --> 00:02:17,840 Speaker 2: And then man. Although it was tense, it worked for 57 00:02:17,880 --> 00:02:18,480 Speaker 2: a little while. 58 00:02:18,560 --> 00:02:20,840 Speaker 1: Yeah, over thirty deals were signed and the news industry 59 00:02:20,880 --> 00:02:23,280 Speaker 1: got more than two hundred million bucks annually to keep running. 60 00:02:23,320 --> 00:02:26,000 Speaker 2: But when companies like metad decided not to renew these deals, 61 00:02:26,040 --> 00:02:28,600 Speaker 2: the government switched to the old stick approach. Yep. 62 00:02:28,639 --> 00:02:31,520 Speaker 1: They've basically said play by our rules or pay up 63 00:02:31,560 --> 00:02:32,440 Speaker 1: in good faith. 64 00:02:32,520 --> 00:02:34,600 Speaker 2: And be man. We've seen similar things happen in Europe 65 00:02:34,680 --> 00:02:35,720 Speaker 2: with the link tax. 66 00:02:35,840 --> 00:02:38,800 Speaker 1: This required Google and Meta to pay publishers for snippets 67 00:02:38,840 --> 00:02:41,120 Speaker 1: of news articles shown in their search results. 68 00:02:41,200 --> 00:02:43,960 Speaker 2: In fact, in France, Google's paid over seventy six million 69 00:02:43,960 --> 00:02:45,919 Speaker 2: euros to publishers over the last three years. 70 00:02:45,919 --> 00:02:48,440 Speaker 1: So it ain't just the Australian government stepping in to 71 00:02:48,480 --> 00:02:51,040 Speaker 1: protect local publishers them. 72 00:02:51,080 --> 00:02:53,320 Speaker 2: As you know, Flux is all about helping ozsies make 73 00:02:53,360 --> 00:02:55,840 Speaker 2: smarter financial decisions, and when it comes to your pets, 74 00:02:55,919 --> 00:02:58,960 Speaker 2: that bills can hit hard, right when you least expect it. 75 00:02:59,040 --> 00:03:01,840 Speaker 2: That's why we're very excit today have Tian Drea, the 76 00:03:01,880 --> 00:03:04,280 Speaker 2: CEO of Nose Pet Insurance, join us on the pod. 77 00:03:04,400 --> 00:03:06,040 Speaker 2: Nose is on a mission to make caring for your 78 00:03:06,040 --> 00:03:09,160 Speaker 2: pets easier and more accessible and affordable with their vet 79 00:03:09,200 --> 00:03:12,119 Speaker 2: designed insurance plans. So Tian, welcome to the podcast. 80 00:03:12,200 --> 00:03:14,240 Speaker 3: Oh thank you guys very much for any very nice 81 00:03:14,280 --> 00:03:14,600 Speaker 3: to be here. 82 00:03:14,720 --> 00:03:16,160 Speaker 2: Let's start with the big one. I was reading this 83 00:03:16,160 --> 00:03:19,000 Speaker 2: stout the other day. Approximately fifty five percent of the 84 00:03:19,000 --> 00:03:22,399 Speaker 2: Australian population have some form of private health insurance, which 85 00:03:22,440 --> 00:03:24,880 Speaker 2: feels quite high, but less than ten percent of Oussie 86 00:03:24,880 --> 00:03:27,639 Speaker 2: pets are insured. So why do you think so many 87 00:03:27,680 --> 00:03:30,240 Speaker 2: pet owners are rolling the dice on their pets insurance 88 00:03:30,240 --> 00:03:31,600 Speaker 2: but not their own insurance. Yeah? 89 00:03:31,639 --> 00:03:34,160 Speaker 3: Yeah, look, in fact, the numbers are probably more stark 90 00:03:34,240 --> 00:03:37,160 Speaker 3: than that because those forty five percent of Aussies they 91 00:03:37,160 --> 00:03:40,240 Speaker 3: don't have private health insurance, are still governed by MEDICAREAH, 92 00:03:40,280 --> 00:03:42,880 Speaker 3: which is just the gabment bright insurance skin right, and yes, 93 00:03:43,000 --> 00:03:46,200 Speaker 3: less than ten percent of pets are covered by BET insurance. 94 00:03:46,280 --> 00:03:48,760 Speaker 3: I think people also make to other, in my view, 95 00:03:48,840 --> 00:03:51,600 Speaker 3: thinking errors when they get a pet. The first one 96 00:03:51,640 --> 00:03:54,280 Speaker 3: is they think vet bills aren't as big as they 97 00:03:54,280 --> 00:03:56,600 Speaker 3: could be, and then when they year about big vet bills, 98 00:03:56,600 --> 00:03:59,040 Speaker 3: they get it set up with a vets. The second 99 00:03:59,080 --> 00:04:01,600 Speaker 3: one in the pens on how old you are as 100 00:04:01,640 --> 00:04:04,120 Speaker 3: human when you get your pets. I'm gen X, and 101 00:04:04,240 --> 00:04:06,720 Speaker 3: a lot of my gen X friends when they get 102 00:04:06,720 --> 00:04:09,520 Speaker 3: a pet, obviously get this for my kids. My kids 103 00:04:09,560 --> 00:04:12,360 Speaker 3: are ready for this now. But look, if something really 104 00:04:12,400 --> 00:04:15,240 Speaker 3: goes bad, we will see the spet off to greener 105 00:04:15,320 --> 00:04:18,960 Speaker 3: pastures and we will not pay very high vat bill. 106 00:04:19,120 --> 00:04:23,600 Speaker 3: And that is a fallacy because in the vast majority 107 00:04:23,600 --> 00:04:26,559 Speaker 3: of cases people then end up paying the bill because 108 00:04:26,560 --> 00:04:28,640 Speaker 3: you get attached to the spet and the vet care 109 00:04:28,839 --> 00:04:31,279 Speaker 3: is available, and you spend the money even if you 110 00:04:31,279 --> 00:04:32,000 Speaker 3: don't have this. Yea. 111 00:04:32,200 --> 00:04:35,200 Speaker 1: And for all the pet owners who are listening intently, 112 00:04:35,480 --> 00:04:39,520 Speaker 1: what is one thing you'd say to convince them to 113 00:04:39,560 --> 00:04:41,760 Speaker 1: take the leap and get pet insurance. 114 00:04:42,000 --> 00:04:44,919 Speaker 3: I'm not really in the game of trying to convince people. 115 00:04:44,960 --> 00:04:48,280 Speaker 3: I think what we love is an informed consumer. So 116 00:04:48,440 --> 00:04:50,560 Speaker 3: what I would say is, I'd love people to go 117 00:04:50,600 --> 00:04:54,279 Speaker 3: and have a think about their ability to pay large 118 00:04:54,360 --> 00:04:59,280 Speaker 3: unexpected vet bills, re examine their emotional connection to their pets, 119 00:04:59,279 --> 00:05:02,039 Speaker 3: and also re examine how your family feels about the pet. 120 00:05:02,120 --> 00:05:04,240 Speaker 3: All of us have a plan A, which is everything's 121 00:05:04,279 --> 00:05:06,200 Speaker 3: going to go fine, my pet's going to be very 122 00:05:06,200 --> 00:05:08,919 Speaker 3: healthy forever. But what's your plan be? And then the 123 00:05:09,000 --> 00:05:12,360 Speaker 3: third one is actually weighing up the peace of mind 124 00:05:12,520 --> 00:05:16,120 Speaker 3: that you can gain from having a pet insurance policy 125 00:05:16,120 --> 00:05:18,599 Speaker 3: in place. Yes, we love pets. Yes it's a woman 126 00:05:18,720 --> 00:05:21,200 Speaker 3: fuzzy thing to talk about, but in the end, it 127 00:05:21,320 --> 00:05:25,480 Speaker 3: is insurance and it is a financial mitigation mechanism. And 128 00:05:25,640 --> 00:05:27,840 Speaker 3: I think that people or too, when they do their 129 00:05:27,880 --> 00:05:32,200 Speaker 3: annual financial planning, consider, you know, their big financial exposures, 130 00:05:32,240 --> 00:05:35,520 Speaker 3: including their pet, and then go and decide whether it 131 00:05:35,600 --> 00:05:36,120 Speaker 3: makes sense. 132 00:05:36,240 --> 00:05:38,760 Speaker 2: Awesome, Thank you so much, Tian. I think so many 133 00:05:38,760 --> 00:05:42,800 Speaker 2: people don't understand or don't realize the potential consequences of 134 00:05:42,880 --> 00:05:45,280 Speaker 2: not having pet insurances. You've got a pet, and we're 135 00:05:45,360 --> 00:05:48,200 Speaker 2: very excited to be partnering with Nosepet Insurance. Flux Adam. 136 00:05:48,240 --> 00:05:50,760 Speaker 2: If you use the code at plus thirty five at 137 00:05:50,760 --> 00:05:53,040 Speaker 2: Nose dot com dot Au, you will get thirty five 138 00:05:53,040 --> 00:05:56,520 Speaker 2: percent off your first six months with Nosepet Insurance. That's right, 139 00:05:56,600 --> 00:06:00,479 Speaker 2: Thank you, justin for our second story. Copy Prices have 140 00:06:00,560 --> 00:06:04,159 Speaker 2: jumped to a record high after a dry spell in Brazil, 141 00:06:04,200 --> 00:06:06,560 Speaker 2: and it's likely to spike up the price of your 142 00:06:06,640 --> 00:06:07,160 Speaker 2: morning cup. 143 00:06:07,600 --> 00:06:11,200 Speaker 1: Not what caffeine addicts like you need to hear, Jesse, boy, 144 00:06:11,279 --> 00:06:11,760 Speaker 1: tell me more. 145 00:06:11,760 --> 00:06:14,120 Speaker 2: Okay, so be man. Pretty Much every cup of coffee 146 00:06:14,120 --> 00:06:16,920 Speaker 2: that you drink is either Arabica or robust. 147 00:06:16,680 --> 00:06:19,040 Speaker 1: And the majority of these coffee beans are produced in Brazil. 148 00:06:19,120 --> 00:06:22,080 Speaker 2: But now Vole Cafe, one of the largest coffee traders 149 00:06:22,080 --> 00:06:24,840 Speaker 2: in the world, has dropped its coffee production forecast for 150 00:06:24,920 --> 00:06:26,680 Speaker 2: twenty twenty five significantly. 151 00:06:26,760 --> 00:06:29,000 Speaker 1: We're talking a drop from forty five million bags of 152 00:06:29,040 --> 00:06:31,200 Speaker 1: beans down to thirty four million bags of bean. 153 00:06:31,160 --> 00:06:33,160 Speaker 2: Or a twenty four percent drop in coffee bean. 154 00:06:33,200 --> 00:06:34,720 Speaker 1: Now does the boy, We know you're grumpy without your 155 00:06:34,720 --> 00:06:36,680 Speaker 1: morning coffee. So why is this the case? 156 00:06:36,720 --> 00:06:39,040 Speaker 2: Well, there's been intense weather in Brazil that's ruined the 157 00:06:39,080 --> 00:06:40,400 Speaker 2: production of coffee beans. 158 00:06:40,400 --> 00:06:43,520 Speaker 1: And not only that, crumple stilt skin drier conditions in Vietnam, 159 00:06:43,680 --> 00:06:47,080 Speaker 1: and then heavy downpours have hurt production in Vietnam as well, 160 00:06:47,120 --> 00:06:47,520 Speaker 1: and as. 161 00:06:47,360 --> 00:06:49,960 Speaker 2: A result, the price of Arabica coffee have increased by 162 00:06:50,040 --> 00:06:51,600 Speaker 2: eighty percent so far this year. 163 00:06:51,640 --> 00:06:53,320 Speaker 1: And you better believe this is going to hurt the 164 00:06:53,360 --> 00:06:55,240 Speaker 1: price of your mourning coffee. 165 00:06:55,360 --> 00:06:57,520 Speaker 2: You said it enough, So what is the key landing here? 166 00:06:57,640 --> 00:07:00,960 Speaker 1: When the price of raw materials increases, eventually consumers will 167 00:07:00,960 --> 00:07:01,800 Speaker 1: need to bear the costs. 168 00:07:01,839 --> 00:07:04,120 Speaker 2: We've all heard the term chain reaction. You know, a 169 00:07:04,240 --> 00:07:07,279 Speaker 2: series of events where each is caused by the previous one. 170 00:07:07,360 --> 00:07:09,960 Speaker 1: So josey boit cafes really have three options right now. 171 00:07:10,000 --> 00:07:12,280 Speaker 2: Option one keep the price of their coffees the same 172 00:07:12,400 --> 00:07:13,760 Speaker 2: and lose their profit margin. 173 00:07:13,840 --> 00:07:15,840 Speaker 1: Don't think anyone will be doing that one. 174 00:07:15,840 --> 00:07:18,200 Speaker 2: Option two increase the price of coffee to cover their 175 00:07:18,240 --> 00:07:20,160 Speaker 2: costs and maintain the same margin. 176 00:07:20,360 --> 00:07:23,440 Speaker 1: I cannot be eight dollar coffees even in good faith. 177 00:07:23,560 --> 00:07:27,320 Speaker 2: Or Option three choose to use cheaper quality coffee beans. 178 00:07:26,920 --> 00:07:29,680 Speaker 1: So you might get a more bitter cup of coffee. 179 00:07:29,360 --> 00:07:31,520 Speaker 2: Either way, be man, this is not a good outcome, 180 00:07:31,800 --> 00:07:34,360 Speaker 2: especially since the majority of cafes in the world use 181 00:07:34,440 --> 00:07:35,560 Speaker 2: these Arabica beans. 182 00:07:35,560 --> 00:07:38,840 Speaker 1: For our third and final story, The parent company of 183 00:07:38,960 --> 00:07:42,360 Speaker 1: women's clothing brand Katis will shut down all of its stores, 184 00:07:42,440 --> 00:07:46,000 Speaker 1: alongside eighty more from its other brands like Millers, Rivers 185 00:07:46,160 --> 00:07:47,200 Speaker 1: and noney Bee. 186 00:07:47,560 --> 00:07:50,240 Speaker 2: Retailers getting hit real hard, left, right and center. Here 187 00:07:50,240 --> 00:07:52,120 Speaker 2: be man, so tell me more so Joyboit. 188 00:07:52,200 --> 00:07:54,760 Speaker 1: Mosaic Brands is the parent company of a bunch of retailers. 189 00:07:54,760 --> 00:07:57,800 Speaker 2: We're talking nony Bee, Rivers, Katies, Miller's, Rockmans, and a 190 00:07:57,840 --> 00:07:58,600 Speaker 2: whole lot more. 191 00:07:58,640 --> 00:08:02,040 Speaker 1: And although these brands may not be where you shot direct, 192 00:08:02,040 --> 00:08:03,520 Speaker 1: they have been a seriously large company. 193 00:08:03,520 --> 00:08:06,120 Speaker 2: We're talking four thousand staff with seven hundred stores across 194 00:08:06,120 --> 00:08:07,240 Speaker 2: Australia at its peak. 195 00:08:07,320 --> 00:08:09,840 Speaker 1: But Jaseiebait. When COVID hit, they got whacked with a 196 00:08:09,920 --> 00:08:12,560 Speaker 1: one hundred and seventy million dollar loss and really haven't 197 00:08:12,560 --> 00:08:13,480 Speaker 1: been the same ever since. 198 00:08:13,560 --> 00:08:16,800 Speaker 2: Yeah. Back in October this year, Mosaic Brands fell into administration. 199 00:08:17,000 --> 00:08:19,880 Speaker 1: Now the administrators have shut down all Kadie stores and 200 00:08:19,920 --> 00:08:23,640 Speaker 1: eighty other stores across the Miller's, Rivers and nonyb brands 201 00:08:23,680 --> 00:08:24,200 Speaker 1: and b Man. 202 00:08:24,280 --> 00:08:26,520 Speaker 2: This is a big move because the Katie's brand's been 203 00:08:26,560 --> 00:08:28,120 Speaker 2: around for more than seventy. 204 00:08:27,800 --> 00:08:30,080 Speaker 1: Years and Jazie woit. This also means the loss of 205 00:08:30,160 --> 00:08:31,760 Speaker 1: almost five hundred jobs. 206 00:08:31,520 --> 00:08:33,679 Speaker 2: And b Man. This restructuring of the business is all 207 00:08:33,679 --> 00:08:36,439 Speaker 2: about getting Mosaic Brands back on its feet. 208 00:08:36,280 --> 00:08:38,880 Speaker 1: To then sell off the different parts to different buyers. 209 00:08:38,920 --> 00:08:40,319 Speaker 2: So what is the key learning here? 210 00:08:40,440 --> 00:08:43,560 Speaker 1: Administrators are the clean up crew for struggling businesses. 211 00:08:43,600 --> 00:08:46,360 Speaker 2: Yeah. Their main role is to stabilize the current operations 212 00:08:46,360 --> 00:08:47,120 Speaker 2: of the business and. 213 00:08:47,160 --> 00:08:50,560 Speaker 1: Protect whatever value is left so ultimately they can sell 214 00:08:50,559 --> 00:08:53,240 Speaker 1: it off and maximize returns for creditors and shareholders. 215 00:08:53,280 --> 00:08:56,640 Speaker 2: And be Man. When Mosaic Brands went into administrations their administrator, 216 00:08:56,640 --> 00:09:00,280 Speaker 2: which was KPMG, their first task was to assess its financial. 217 00:08:59,800 --> 00:09:02,160 Speaker 1: Health and then to make tough decisions like shutting down 218 00:09:02,200 --> 00:09:04,439 Speaker 1: poor performing stores and brands like Kadies. 219 00:09:04,559 --> 00:09:07,400 Speaker 2: But be Man, just because the company goes into voluntary administration, 220 00:09:07,600 --> 00:09:09,400 Speaker 2: it doesn't mean it's all over red. 221 00:09:09,280 --> 00:09:11,600 Speaker 1: Rover now, app here's an inspirational story for you, Juzzy boy. 222 00:09:11,720 --> 00:09:15,000 Speaker 1: Virgin Australia went into voluntary administration in twenty twenty one 223 00:09:15,040 --> 00:09:16,920 Speaker 1: and was purchased by Bain Capital and. 224 00:09:16,880 --> 00:09:19,200 Speaker 2: Since then it has gone from strength to strength. 225 00:09:19,280 --> 00:09:22,679 Speaker 1: Yep, Virgin Australia even returned to profitability in fy twenty 226 00:09:22,720 --> 00:09:25,440 Speaker 1: three with more than five hundred and nineteen million dollars 227 00:09:25,440 --> 00:09:26,080 Speaker 1: in earnings. 228 00:09:26,120 --> 00:09:28,440 Speaker 2: So this at the end for Mosaic brands, just the 229 00:09:28,559 --> 00:09:32,160 Speaker 2: new beginning maybe issues. Flux Sam, if you've been listening 230 00:09:32,200 --> 00:09:34,280 Speaker 2: to the pod this week, you are the perfect candidate 231 00:09:34,320 --> 00:09:36,679 Speaker 2: to win fifty dollars today in the Flux app. It's 232 00:09:36,720 --> 00:09:38,440 Speaker 2: all part of our weekly game Quick Sticks. To make 233 00:09:38,440 --> 00:09:40,120 Speaker 2: sure to download the flucks Out, turn you on your 234 00:09:40,120 --> 00:09:42,720 Speaker 2: notifications to win at Money today and start the weekend 235 00:09:42,760 --> 00:09:44,120 Speaker 2: with fifty bucks in your pocket. 236 00:09:44,120 --> 00:09:48,000 Speaker 1: Thanks for listening and we'll see you on Monday.